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About Us

OneMain Financial is the country’s largest lending-exclusive financial company, a trusted name in lending for over 100 years. Since 2005 alone, we have looked beyond customers credit scores to lend more than $152 billion to 16.2 million people looking for simple, affordable loans. With branches across 44 states, we're proud partners of the families and communities we serve. They turn to us to help meet important financial needs, including debt consolidation, medical expenses, household bills and auto purchases. It’s all about doing the right thing – a mission that hasn’t changed for more than 100 years.

The Role

We are looking for a Lead Strategy Analyst to join the Card Analytics team in Charlotte, NC. This is an exciting opportunity to learn and drive significant business results through optimization of our credit risk underwriting, pricing strategies, acquisition strategy and provide analytics insights for business partners and executive members.

These strategies include, but not limited to, approval/decline, line assignment, term, pricing, and risk appetite framework optimization to drive healthy revenue growth, loss mitigation, and streamlining of processes in support of better profitability and healthy lending portfolio.

This role will have chance to pull the data, conduct deep analysis and investigation, apply critical thinking skills, draw insights from their work and leverage general business acumen to understand the customer behavior and develop profitable business strategies in a timely and accurate manner. The successful candidate will be able to summarizes their work and communicates effectively to management.

Working with various partners, the role will also have responsibilities of reporting, strategy implementation, strategy validation and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis and modeling, and performance read.

A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project cycle. They will gain knowledge to suggest new answers to old questions, develop insights and push the traditional boundaries of the lending industry.

Key Responsibilities

+ Under your manager’s limited guidance, you will design, recommend, document and execute consumer credit underwriting and pricing strategies via extracting and analyzing requisite historical customer performance data from multiple disparate systems.

+ Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and decision tree analytical software to develop, test and execute new strategies.

+ Leverage traditional regression model and machine learning algorithm to understand the key drivers and estimate customer behaviors by different strategy treatment

+ Drive profitable business growth via developing strategy optimization framework with full credit-cycle view

+ Implement Quality Control processes to ensure data accuracy

+ Continually enhance existing processes and reporting through automation, quality control, presentation and insights

+ Effectively summarize and present results and insights to management

Qualifications

+ Bachelor’s Degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management or Computer Science is preferred

+ 3-5 years of experience in complex, data-driven problem solving

+ Strong SQL, SAS and Excel skills required; experience with multiple types of relational databases, BI tools/platforms, and/or additional programming languages is a plus

+ Innovative and capable of developing a highly analytical approach to solving problems

+ Lending or consumer finance industry experience preferred

OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) and Affirmative Action (AA) employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identify, national origin, age, marital status, protected veteran status, or disability status.